hi, everyone, welcome to "on the money." i'm becky quick. the one thing you can do every day that will make you healthier, happier and more productive. and the entrepreneur who learned the hard way. what if you hit your number? we are not talking about gambling, but how much you need to retire. the next steps that you should take and the mistakes to avoid. it's not tax cuts, it's not infrastructure. the key to keeping america's economy strong. and running the girl scouts. is it harder than rocket science? we'll find out from someone who knows about both. it's a whole lot more than selling cookies. hmm, wonder who that is. "on the money" starts right now. ♪ >> announcer: this is "on the money," your money, your life, your future. now, becky quick. we begin with a good night's sleep. are you getting at least seven hours of sleep a night?

for many americans, the answer is no. sacrificing sleep not only affects your health, though, it affects your work. so, how can you work towards getting a good night's rest? that is our cover story today. one in three american adults are not getting enough sleep, clocking in less than the recommended seven hours of shuteye a night. and it's a hazard to your health. according to the cdc, not getting enough sleep increases the risk of developing chronic diseases, such as diabetes, stroke, depression, and heart disease, just to name a few. lack of sleep can also hurt job performance in spite of the fact that many skip sleep hours to put in more work hours. for the average worker, insomnia results in the loss of 11 days of productivity each year, which is costing companies more than $2,200 per employee. as a nation, that represents a total economic loss of more than $63 billion a year. but the problem is that most of us are perpetually plugged in. 71% of americans, myself included, sleep next to their

smartphone, and studies show that the blue light emitted from l.e.d. screens flows down or stops the production of melatonin, a hormone which signals our brain that it's time for bed. but there are tips and tricks to help us get a full night's rest. joining us is arianna huffington, ceo and founder of thrive global and also the author of "the sleep revolution," that book. you can see it right here. thank you for joining us today. >> so great to be with you. >> you stepped down from your role at "huffington post" in 2016 and launched thrive. and this is incredibly important work, but why did you step away from "huffington post" to do this? what happened? >> so, i could see both in my own life and in the lives of everyone around me and in all the data that sleep deprivation, stress and burnout were becoming global epidemics that actually cost businesses and the economy trillions of dollars and cost human beings our health sh, our

happiness, our productivity. so i wanted to create a company that could both work with corporations to change the culture and help them see the connection between well-being and business metrics and also have a media platform where we could have all the latest science and new role models. so, jeff bezos, for example, wrote a piece, and the headline is why i am getting eight hours of sleep is good for amazon shareholders. so, it went crazy viral because people did not expect, you know, a major executive to actually be getting the sleep he needed to make the best decisions. it's really the connection between being fully recharged and making good decisions. >> and this comes after years of a culture where people would brag about how little sleep they were getting, how productive they were. you had your own wake-up call that hit you right over the head, right? >> exactly. exactly ten years ago, two years into building "huffington post," i collapsed from sleep deprivation, exhaustion, hit my head on my desk, broke my

cheekbone, and that was my wake-up call. so part of my sense of mission is to stop people from having their wake-up calls. and becky, a lot of the wake-up calls are much worse. it's people who have strokes, are diagnosed with high blood pressure or things that are unavoidable. this is a key stat to me, that 75% of our health care costs and health care problems are because of stress-related, preventible diseases. >> what tips would you give people, because i'm sure there are people watching at home right now who are thinking, yes, this applies to me, but what do i do? >> if i can give you one simple microstep, it's pick a time at the end of the day when you declare it the end of your work day. and the way you symbolize that is by turning off your phone and gently escorting it out of your bedroom. you can start with ten minutes before you're going to turn off the light. just have a little transition time, and make sure you don't sleep with your phone.

it's great to have one minute, that's another microstep, in the morning before you rush to your phone. your phone is everybody else's agenda for you, like what the world wants from you. so remembering what you want from you for this day, and it can be literally 60 seconds. ending your day without your phone and starting your day without your phone are keys. and that's why we launched the thrive app. >> and it seems a little counterintuitive, the idea of using technology to break ourselves or wean ourselves a little bit from that technology, but how does the app work? >> first of all, it's bi-directional. so if you put your phone in thrive mode because you're having dinner with your family and you don't want to be distracted and i text you, i get a text back, becky is in thrive mode until such and such a time. the idea is kind of almost like a humblebrag. instead of becky's always on, she's amazing, we want to change the things that we celebrate. you know, becky knows how to

prioritize her life, she knows what's important, and she is in thrive mode. >> and you're okay if one of the thrive's employees, if you send them an e-mail and you say i need some help right now and you get a message back from the thrive app that says do not disturb? >> i actually love that, because we all have to learn to work in teams. and if somebody's taking care of themselves, it means they are not going to burn out. >> sure. >> and we know that burnt-out employees are over 30% more likely to change jobs. >> oh. >> so you know, it affects attrition, it affects productivity, and it affects health care costs. >> you know, you are a founder of some of the social media online. "huffington post" finding ways to reach out, find new people. there have been some concerns brought up by early employees of facebook recently, by investors in apple, by kids getting addicted to social media, by all the rest of us getting addicted, too, and i wonder what you think of all that. >> i think we're at the major inflection point, becky.

if you think of it, all that is relatively new. it's about ten years since the smartphone has become so ubiquitous and such a big part of our lives. so now we're establishing the rules of the road. and also, companies are beginning to realize the backlash and to take steps to basically produce products that are not so addictive. >> police themselves before somebody jumps in to police them. >> otherwise, they were going to be regulated. >> arianna, thank you so much. >> thank you. now here's a look at what's making news as we head into a new week "on the money." another week, another stock market barrier broken. on wednesday, the dow closed above 26,000 for the first time ever and had its best one-day gain since november. the nasdaq and the s&p 500 setting new records as well, in part because of the corporate tax cuts and optimism about the economy. the stocks were mixed later in the week. apple says it will create 20,000 new jobs in the united states

and open a new campus as well. the company will bring back the $250 billion that it's been keeping overseas because of tax concerns. it will pay $38 billion in taxes and it will make what it says is a $350 billion contribution to the u.s. economy over the next five years. if only they could replace the batteries in an iphone 6. amazon has narrowed its search for a second headquarters. there are now 20 finalists. most of those cities are in the east and the sun belt with a few in the west. amazon's choice will mean 50,000 jobs and plenty of growth in tax revenue for the state that eventually wins. the company will make a final decision some time this year. up next, we're "on the money." how can the economy keep growing? a new study has a simple answer, and it has nothing to do with taxes, government spending, or interest rates. and speaking of growing, thanks to a strong stock market, retirement accounts are hitting record highs. think you've finally saved enough? what to do next if you've reached your goal. now, though, take a look at

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the u.s. economy has been growing for eight straight years, but a new standard & poor's study has a way they think they can boost the economic growth further, hire more women. beth is the u.s. chief economist and co-author of the study. thanks for being here today. a lot of things, people think we've been growing beneath their potential. you have identified one area where you think would improve things, hire more women. how do you get to that thesis? >> keep in mind that we have been growing, which is very good to know, but growth potential has been incredibly slow. they have been growing through

this recovery and our potential growth outlook now is down 1%. we expect only 1.8% growth. and we see one of the ways of resolving this is bringing women back in the workforce. we've seen a slowdown in women entering and being retained in the workforce, and this productivity boost we could get from these women would give the u.s. a boost. >> what do you think is keeping women from being more in the workforce at this point. >> probably the biggest burden is child care. while i do give credit to men who have now stepped up to the plate to help in that area, women do share the lion's, basically, the lion's share of child care, and not just child care, also elder care as well. and from studies that we've seen, that shows that women take a lot of time out of the workforce when they have children, almost 40% or over, and 25% don't come back. how do we bring them back into the workforce if they choose to? >> what's the answer? is that something we need to address as a nation? is it something corporations need to address?

how do you deal with trying to make women feel like they're not losing out by taking time off to take care of the kids, or are there options we need for more affordable child care? >> there are a lot of things we offer. the tax package offers more child care credit and that's a step in the right direction. another thing to consider is while women get education, they hit that question of basically the penalty for time off. open up the opportunities for flexible work schedules. i think that would help businesses and women, women so they could manage home and work, businesses because, well, that helps with basically overhead. >> women, we know there's a pay gap. if you look at things straight across the board in terms of how much they get paid to their male counterparts, even when they have the same background, is that because of the time they take off or is there something else happening here? >> there are a couple factors. one, women are certainly well educated, but we've seen, for example, s.t.e.m. fields. >> for the type of careers they're choosing. >> the type of careers. the fields that have been considerably male domain, you

can still see that. women, only 14% get educated in s.t.e.m. fields, where -- >> science, technology, engineering and math. >> that's half what men do, and those are more higher wages and higher employment opportunities. so that would be an area. but you mentioned that the hurdles, it's not just there. that goes to the question of the time off. you can get as many degrees as you want, but if you're not in the office, you're penalized in terms of wages, and that also has to be addressed. >> beth ann, thank you for joining us. great to see you. >> thank you. up next, we are "on the money." if you think you've got enough saved to live the good life in retirement, well, don't head out to the beach just yet. we've got the one mistake that could actually derail your plans. and later, the girl scout cookie season has begun, but there's a lot more than thin mints to scouting these days. we're going to talk to former rocket scientist who's in charge of an american institution. my experience with usaa has been excellent.

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♪ a strong stock market and better saving habits mean that many baby boomers are reaching a big goal. they finally have enough money to retire. if you're at that point, though, what should you do now? joining us with some advice on all of this is senior personal finance correspondent sharon epperson. and sharon, it's great to see you. >> good to be here. >> it's hard to imagine feeling like you've ever actually made it, but if you get to that point, what now? what's the next step? >> exactly. some may feel it or think that they've made it, but you do have to really check yourself and make sure you're at that point. we do see new studies showing that about 50% of americans now have enough money saved to live a comfortable retirement. and so, that is a significant number. it's happening for two reasons. of course, we have the market highs, but we also have people putting away more money into their 401(k), into their i.r.a., and we're seeing i.r.a. account balances topping $100,000 on average. >> wow. >> for the first time ever. >> wow. >> so that is a significant change that we've seen and a reason why some people may feel more comfortable.

$100,000 probably not enough to retire on for many people, but there are others that might be close to their retirement goal. >> you feel great about that, but then when you hear the market's been sitting at new highs, when you think things are fantastic, should you worry about that? do you need to reallocate or do anything along those lines? >> now is a good time to review your goals. think about what your retirement goals are, think about how much money you're going to need in retirement, starting with that retirement budget and planning ahead for that, but also think about what you want to do in retirement, travel, hobbies. those are expenses that you may not have now that you're going to have to consider. think about your life expectancy. the healthier you are, great, great, great, but that means you're going to have more health care expenses in retirement, so consider all those things. >> and i guess that's a big question, too. if you've been invested in stocks to this point, that's great, but things that go up can also go down pretty rapidly, too. >> the market's going great, but that also means you have more risk in your portfolio. while you wanted 60% of your portfolio in stocks, now it's 65%, so maybe it's time to reallocate and reallocating in

your 401(k) and i.r.a., is a great place to do it because you won't have the tax impact if you're selling your balance or rebalancing your portfolio. others say i just want to sell and keep in cash, i'm afraid of the market. it's not that you're afraid of the market, you want to be secure that you have enough money for short-term emergencies and short-term expenses, so that's a reason to have cash. >> my biggest problem with ever trying to figure out how much money i need for retirement is, okay, how long am i going to live? how do you plan for those things? >> you think about what you want that money to do for you in retirement. do you want to continue to save just to make sure that you have enough? do you want to spend everything you have or spend a little bit more freely now that you have more money saved than you had expected, or do you want to donate some of that money? and then you start to think of where you want to donate it. >> yeah, that's great. a lot to think about. thank you, sharon. >> sure. >> always appreciate seeing you. up next "on the money," a look at the news for the week ahead. and from cookies to careers, we'll talk to the girl scouts ceo about partnerships with nasa, high-tech companies, and

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♪ here are the stories coming up that may impact your money this week. on monday, the world economic forum in davos, switzerland, kicks off. leaders from the world of business, economics, and politics will all be gathering. on wednesday, existing home

sales for december will be released. then on thursday, we'll get the leading economic indicators. that aims to try to predict economic trends for the next six months. on friday, the durable goods report for december will be released and we'll also see the first reading of the fourth-quarter gdp. plus, cheers! it's national irish coffee day. for coffee and whiskey fans, there's nothing better. it is that most wonderful time of the year, the girl scout cookie season has begun! this actually marks the 101st year for the cookie program, but of course, there are more than just sweets to the girl scouts these days. joining us to talk all about it is the ceo of girl scouts, sylvia acevedo. and sylvia, thank you so much for being here. >> oh, thank you for having me. i'm so excited to be here. >> well, you brought cookies, which makes us thrilled. >> it's cookie season! >> it is cookie season. >> it's a great entrepreneurial program for girls. >> and it's come a long way from when we were in girl scouts. what technology are you using some. >> there are so many ways we've evolved the program. one, we have digital cookie, so

girls get to decide their business opportunities, how they're going to market, they create online videos, they have customer mailing lists. they have to really look at how they do customer service, product delivery. that just teaches them invaluable skills that they use in life. >> and by the way, all those successful girl scouts, you included. you're somebody who was a rocket scientist before you did this, before you ran girl scouts. i just wonder, what's tougher, running the girl scouts or being a rocket scientist? >> you know what, there's a lot of complex math in rocket science. there absolutely is, but you know, there's so much joy in, like, really making a difference in girls' lives. and i know the power of girl scouting and how it impacted my life. you know, i went from a small, desert town -- >> there you are. >> yeah! as a brownie. i went from a small desert town and i got to live the life of my dreams because girl scouts helped me understand and appreciate that i could do science, that i could do math at a time when girls like me weren't going into those fields. and then i made a rocket for my science badge, and that taught me i could do it, so i became a

rocket scientist. i worked on the voyager 2 mission that went by jupiter, so i'm just so grateful for that. >> let's talk about the badge, though. you made a rocket to earn the rocket science badge. >> yes, back when i was really young. it was an eastes rocket and i learned there's a lot of trial and error. i did a lot wrong, didn't read the directions right and didn't get all the chemicals right and i had to do trial and error, which is exactly how you learn, hands-on science, and that taught me that i could do it. >> you are making changes to girl scouts as well. i know there are 23 new badges this year. some of the partnerships you're doing are with raytheon, nasa and palo alto networks. how do thez work and what are the badges? >> we're really excited about that because all of our extensive s.t.e.m. badges are really teaching girls how to problem solve, you know, how to think like a programmer, how to do design work. you know, a lot of our s.t.e.m. badges are also about embracing the outer doors that don't require technology use at all.

but really what we want to help girls have is the confidence that as the world really uses technology more and more, that they know how to program the technology, they know how to create it, so they're not just the users of technology, but they're the ones that are designing their world. >> you know, i was a girl scout and a brownie, too. my mom was a cookie chairman. >> oh, wonderful. >> you guys even have new flavors now. >> you know, we are so excited about the cookie program. and this year, back by popular demand, we for the 100th anniversary last year, you know, sort of in the spirit of our outdoors program, we announced and released our s'mores cookies. >> yes. >> they were such a hit, they're back, you know. so, we're real excited about that and real excited about our digital cookie program. but the thing is is that a big percentage of the money stays local so that girls get to do projects of their own. and so, that's how you launch all of these entrepreneurs. they also learn, you know, how to do that early test thing about talking to people, and i can't tell you how many parents thank me for the cookie program because they said, you know, my

daughter is talking to somebody, they're learning business ethics -- >> knock on a door -- >> the courtesy, the ethics, something that they're not doing on a screen, and so it's really teaching them valuable life skills, and that, as they say, you know, that's priceless. and we know that that then translates them to have all these great lifetime outcomes, and for many of them, like me, i started a business, too. i was an entrepreneur. and that i think got the confidence from girl scouts that i knew i could sell, right? so, this is -- we know we're teaching girls and giving girls amazing skills. >> sylvia, thank you so much. it's a pleasure to talk to you and i hope to see you back here again. >> oh, thank you very much. really appreciate it. and please, enjoy the cookies this year. >> you don't have to tell me twice. a big thank you. >> and make sure you support your local girl scouts. >> agreed. make sure you do that, folk. that's the show for today. i'm becky quick. thank you for joining us. next week, restaurants where cash is not on the menu. no dollar bills or coins allowed. without a debit or a credit card, will you go hungry? we're going to dig into that next week. each week, keep it right here.

we're "on the money." have a great one and we'll see you next weekend. ♪

gameday. right now, we're just hours away from kickoff at the linc for the eagles and the vikings. we're live with the fan fever sweeping our area. the big game means parking reeg strixs in south philly. we're live to break it down for you. >> government shutdown. day two. we're following what's next and the impact and how it's impacting philadelphia. good morning. this is nbc 10e news today. thanks for being with us. i'm rosemary connors. >> thanks for being with us. we begin wit